The Beauty of SCINsurance

Historically low interest rates have made self-canceling installment notes (SCIN) an attractive estate-planning tool and a viable alternative to life insurance. Real property is one asset that, as we know, has declined in value during recent months and may be a prime candidate for an intra-family transfer. The asset can be given or sold at its seemingly depressed value allowing its post-transfer appreciation

Historically low interest rates have made self-canceling installment notes (SCIN) an attractive estate-planning tool and a viable alternative to life insurance.

Real property is one asset that, as we know, has declined in value during recent months and may be a prime candidate for an intra-family transfer. The asset can be given or sold at its seemingly depressed value allowing its post-transfer appreciation to escape gift and estate tax.

If a client already has used his $1 mi

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